ONLINE SERVICES

digital Banking

Online Account Management

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MidWest Digital Banking is a free service that enables our members to access and perform transactions on their account(s) using the Internet on the web or their mobile device. This includes: real-time transfer of funds within the account; real time view of your account histories & balances, and member to member transfers.

Please note that we limit check withdrawals from home banking to $5,000 per day to protect your account. 

Attention Quicken Connect users: If you need help setting up Quicken Connect with your MidWest America FCU account, please view our help guide.

Mobile App

MidWest Digital Banking makes it easier and faster to do all of your banking conveniently on-the-go. For our members with a smartphone, we have a dedicated application for iOS and Android™ devices. 

Our app includes many features like Remote Deposit Capture, so you can deposit checks right on your smartphone or tablet! Up to $225 of your check will be available immediately upon deposit. The remaining amount will be on hold for 3 business days. Deposit up to $3,000 daily and $12,000 monthly.

Have you ever misplaced your debit card? Later you may find your card and want to use it again. Possibly you learned that your card was lost or stolen. Using our Card Control feature provides you the option of turning “on” or “off” your card in these types of situations. Whether it is day or night, you can have the peace of mind that access to your card has been disabled. Not only can you disable the card, you can also order a new one. There are other great features available too such as Quick Balance and Fingerprint Authentication.

You may also use our MidWest Digital Banking without downloading our app by visiting our website on your mobile device.

Download on the App Store       Get it on Google Play

Phone Banking

MidWest Phone Banking provides 24-hour access, 7 days a week, to members to verify savings, checking, and loan balances. It's convenient, free, and requires only a PIN number. Commands can be spoken using our voice recognition software or entered manually by touch-tone access.

In addition to transferring funds within your own account, Phone Banking can be set up to enable you to transfer from your account to up to nine additional Credit Union members with our Member to Member Transfer feature.

Local

  • 260-423-8278
  • 260-482-3334 ext. 5278

Toll-Free

  • 1-800-847-2278
  • 1-800-348-4738 ext. 5278



Bill Payer

Online Bill Payment Service

Pay bills online using your Credit Union checking account with MidWest Bill Payer. When paying a bill, you determine the amount and date you want it sent. No stamps needed. Plus, you have a great record of all your paid expenses. There is no fee for this service; however, there is a $5 fee assessed if there are 90 days of no activity.

Additional features include Rush Payments to prevent late fees and Gift Pay for special occasion checks for birthdays, graduations, etc. Payments can be made to any entity within the US—including government agencies (i.e. child support; alimony; and taxing authorities.) And you will not need to have a separate user ID and password as you are able to access the Bill Payer system via MidWest Digital Banking or Mobile App.

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E-statements

Receive your monthly statement sooner than by mail. You must be signed up for our free Digital Banking product in order to retrieve your monthly statements electronically. This service is at no cost to you. You can print your statement or if you only want to view it online, statements can be archived for several months starting with your first e-statement. Click here to log into MidWest Digital Banking and sign up for e-statements.




VISA® Account Access

MidWest America offers a safe and convenient way to manage your Home Equity Line of Credit VISA with online account access. This service is also available to members who have an existing VISA® credit card transferred to MidWest America.

  • View your credit card statement
  • Obtain payment information
  • Make online payments

*Attention existing credit cardholders, if you are in need of your cardholder’s agreement please contact the Credit Union to obtain a copy by calling 800-348-4738 ext. 4000.

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e-Alerts

Would you like to know when your account balance falls below a certain amount, when a particular check has cleared, when a direct deposit has been made, or if your account has a negative balance? You can get the answers to these questions and more with e-Alerts which sends a message directly to your cell phone or email account. Alerts are free and you avoid fees with immediate notification of your account status!

To sign-up for this service, log into your account using MidWest Digital Banking. You can select which alerts are important to you.



MOVE YOUR MONEY

Transfer money when you want, however you want. 

MidWest America has several convenient and secure options to move your money. With MidWest Digital Banking, Mobile App, and Bill Pay you can easily transfer money between MidWest America accounts and non-MidWest America accounts. You can even pay an IOU to your family and friends.  

 

move your money
 
  I Want to Move My Money: Digital Banking Mobile App Phone Banking
Internal transfers To make a payment on my MidWest loan X X X
From share to share in my account X X X
External transfers To my own account at another bank or credit union (FI to FI) X  
To make a payment on my loan at another financial institution* X X  
From my account at another bank or credit union to MidWest X X   
To pay a bill* X X  
To someone else To another MidWest member (One-time transfer) X  X
To another MidWest member (Recurring transfers) X    
To someone else's account at another financial institution* X X  

 *Must enroll in MidWest Bill Pay thru Digital Banking.

INTERNAL TRANSFERS

Login to Digital Banking -> Go to Transfers & Payments > Make a Transfer
Choose which share you are moving the money from and then select the MidWest America loan you are paying on. Then enter the amount you want to transfer, when you want to send it (now, a specific date or a repeating transfer) and a memo if you’d like.
Login to Digital Banking -> Go to Transfers & Payments > Make a Transfer
Choose which share you are moving the money from and which one you are moving it to. Then enter the amount you want to transfer, when you want to send it (now, a specific date or a repeating transfer) and a memo if you’d like. This can also be done in our mobile app.

 

EXTERNAL TRANSFERS


Login to Digital Banking -> Go to Transfers & Payments > Make a Transfer
Once you have setup connection to your external account, choose which share you are moving the money from and which external account you are sending it to. Transactions initiated before 3PM EST are processed the following business day. Then enter the amount you want to transfer, when you want to send it (now, a specific date or a repeating transfer) and a memo if you’d like.  Up to 3 transfers are allowed per week not to exceed a total of $1,500. Click here to view a demo on how to set up FI to FI transfers.
Login to Digital Banking -> Go to Transfers & Payments > Bill Pay
Use your bill from the other financial institution set them up as a payee and schedule your payment.
Login to Digital Banking -> Go to Transfers & Payments > Make a Transfer
Choose your confirmed external account and then choose what share you want to deposit into. Then enter the amount you want to transfer, when you want to send it (now, a specific date or a repeating transfer) and a memo if you’d like.

*For your security, the capability to setup these transfers must be activated on your account. Contact a Member Service Representative at (800) 348-4738 to get setup.
Login to Digital Banking -> Go to Transfers & Payments > Bill Pay
Have a copy of your bill ready when you go to set up your new payee. Once you’ve established your new payee,  select the bill that you are paying on and enter the amount you want to transfer.  You can also choose when you want to send it (now, a specific date or a repeating transfer) and add a memo if you’d like. 

TO SOMEONE ELSE

One-time Transfers
Login to Digital Banking -> Go to Transfers & Payments > Make a Transfer

Choose which share you are moving the money from and then select Another Member. You will need this members account number and last name to do this type of transfer. Then enter the amount you want to transfer, when you want to send it (now, a specific date or a repeating transfer) and a memo if you’d like.
Recurring Transfers
A common example of recurring transfers is family members who would like to frequently transfer to one another. A member-to-member transfer authorization form can be completed to directly link your account to other MidWest member accounts. Please contact a Member Service Representative to get this set up or download the form in our Application & Forms center. 
Login to Digital Banking -> Go to Transfers & Payments > Bill Pay > Add Payee > Pay a Person
Through this service you can set up a payee without knowing their account number. You put in their name, phone number or email address and then your recipient will receive a notification to input their account info to receive the money.